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Will I Be Able to Get a Loan after Bankruptcy in Utah?

What is Life after bankruptcy in Utah like? One of the most common questions when contemplating whether to file bankruptcy is: will I be successful in getting a loan after bankruptcy? This is particularly true if you desire a mortgage after the bankruptcy discharge. If you successfully complete bankruptcy you will either have your unsecured credit card and other debts eliminated. For several reasons, your creditworthiness will likely improve after filing. Your credit will gradually improve over time, but it is possible for you to obtain Utah loans after bankruptcy discharge and even a Utah mortgage after bankruptcy discharge. To understand how your life will be affect by filing bankruptcy, speak to a knowledgeable Provo bankruptcy attorney with Weekes Law. We can help you successfully complete bankruptcy and also help guide you through reestablishing your credit afterward.

Comprehensive Utah Bankruptcy Lawyers

When making the decision to file for bankruptcy, one of the most common questions is: will I be successful in getting a loan after bankruptcy? This is particularly true if you desire a Utah mortgage after bankruptcy discharge. There are many myths, so don’t be confused. After successfully completing bankruptcy you will either have your unsecured credit card and other debts eliminated under chapter 7 or you will have paid off your debts through the repayment plan provided under chapter 13. The truth is that your credit will gradually improve over time. It is possible for you to obtain Utah loans after bankruptcy discharge and even a Utah mortgage after bankruptcy discharge. Speak to a knowledgeable bankruptcy lawyer with our firm to understand how your life will be affect by filing bankruptcy. We can help you successfully complete bankruptcy and also help guide you through reestablishing your credit afterward.

It will be possible for you to get limited credit, often within days, weeks or months after your bankruptcy has been completed. We caution our clients, however, to carefully use credit after filing.

Life After Bankruptcy in Utah Without Debt

If you complete a chapter 13 debt repayment plan and have kept up with your mortgage payments, this will go a long way to helping you get new lines of credit or credit cards. In addition, you will be armed you with the tools to use credit wisely after completing the mandatory credit counseling and debtor education courses. Weekes Law can help you repair your credit report your bankruptcy and clean off any errors or negative reports that were discharged as part of your bankruptcy.

Schedule a free consultation with our experienced Utah bankruptcy lawyer today by completing our free evaluation form.

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Which Chapter of Bankruptcy Is Right For You?

During your free bankruptcy consultation, our experienced bankruptcy lawyer will review your financial situation with you and help you determine if chapter 7 or chapter 13 is the appropriate way to resolve your financial problems. We pride ourselves at taking time to understand your situation and then give you solid financial advise–even if it means that you don’t need to file bankruptcy. After understanding your financial situation, we can advise on the best approach to solve your financial situation.

File Bankruptcy Online

Our unique online bankruptcy process allows us to simply and conveniently work with clients from Utah County, Salt Lake County, Weber county, Wasatch county, and elsewhere across the State of Utah. We can schedule convenient telephone consultations, and provide all the documentation to you for electronic review and completion. We keep you fully informed along the way with request communications. Our process is not only more convenient for you, but it also more thorough. To get started today, complete our web form.

Request a Free Bankruptcy Evaluation to see just how convenient and affordable we make the cost to file bankruptcy.

Consult, Review & Sign Remotely

Utah Law Allows Electronic Signatures

  • Utah Federal District Court Rule 5-1(a)

    “Papers may be e-filed, signed and verified by electronic means… .”

  • Utah CM/ECF Administrative Procedures Manual

    “An electronic document has the same legal status and effect as a paper document.”

  • E-Sign Act, 15 U.S.C. § 7001

    Contracts or signatures may not be denied “legal effect, validity, or enforceability solely because it is in electronic form.”

  • Utah UETA, U.C.A. § 46-4-201(1) et seq.

    Electronic signature satisfies writing requirement; & electronic signature satisfies signature requirements.

STOP Wage Garnishments

When your bankruptcy case is filed with the court, an automatic stay immediately becomes effective. The automatic stay is an injunction against your creditors from any collection activity and any wage garnishments must be stopped.

STOP Repossessions

Automobile repossession are stopped as soon as your bankruptcy case is filed with the court. In some cases we can even recover a vehicle that has already been repossessed by filing for bankruptcy.

STOP Foreclosure

The bankruptcy automatic stay will also stop a foreclosure. In some cases the foreclosure will only be temporarily delayed while in other cases we may be able to restructure the amount you are past due, so that you can retain the property.

STOP Creditor Harassment

When your bankruptcy case is filed creditors must stop contacting you and cease any attempt to collect the debt. That’s how powerful the court’s automatic stay is.

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